Credit counseling is required to be undertaken by the person or persons who will file for bankruptcy. No bankruptcy filing will be given due course without the proper credit counseling certificate. A credit counselor is a person duly authorized by the federal and state government to conduct a seminar and an interview to ensure that the consumer knows what he or she is getting into. For a complete list of accredited credit counselors go online or ask your local bankruptcy court.
Every counselor will tell you that you can file for bankruptcy on your own. However this is your chance to ask a third person the advantages and disadvantages of hiring a Phoenix Bankruptcy Attorney as well as the things that can be done and cannot be done by an attorney. Most lawyers will even encourage the consumer to ask these questions to avoid any confusion and to increase the level of trust between both parties.